Lawsuit ensues against said individuals plus business owner....Ohh, I like the way you think! I'M RITCH BIATCH!
no, I'm not kidding. Yes, I would sue at the drop of a hat.
no, I'm not kidding. Yes, I would sue at the drop of a hat.
jlee
Lifer
- Sep 12, 2001
- 48,517
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IIRC there's a hefty penalty (fee) for stores having minimum balance for Visa/Mastercard purchases. (again IIRC) it's $5000 for the first occurance..2nd is higher, and 3rd the business owner's 'ability' to have merchant card services is permanently revoked.
If you want me to look into it, let me know and I'll check.
If you want me to look into it, let me know and I'll check.
FelixDeCat
Lifer
- Aug 4, 2000
- 29,544
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Assuming the lawyer didnt laugh you out of his office to begin with....you would also lose at the drop of a hat, or have it tossed as frivolous. The two guys were customers.
SmoochyTX
Lifer
- Apr 19, 2003
- 13,615
- 0
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Is .05 cents how much a single chiclet costs now?
Nobody's going to ask if they can pay with a credit card. They'll just hand it over.
Twenty people in line? Sounds like they need to open another register or get some help.
The whole 'waiting' argument has been used for decades on people writing checks. If somebody waiting in line doesn't want to wait they're still free to go on to the next store. Of course by that time, they've wasted more time than they would have in the beginning.
If other customers in the store toss me out because I'm paying by cred/deb/check, I can guarantee you the police will be called.
Slight correction from my earlier post...
For MasterCard complaints, use this URL: Text
For Visa, you have to contact the card issuer directly. As stated in Visa's FAQ
For MasterCard complaints, use this URL: Text
For Visa, you have to contact the card issuer directly. As stated in Visa's FAQ
kranky
Elite Member
- Oct 9, 1999
- 21,015
- 139
- 106
It would suit me fine if I could charge everything. I get cash rebates (small, but they add up) on everything I charge.
But I don't do it at small businesses - the ones who may or may not ask for a minimum charge. I'd rather carry a few bucks in cash instead of being the customer who costs them money every time I charge a donut.
I've had enough Wal-Marts and supermarket chains and the like. I'd rather go to a locally owned business and I know they don't have the volume to absorb a ton of tiny credit card transactions.
So I guess I could demand they abide by the merchant agreement, or I could let it slide and hope they can stick around. The 7-11 by us is probably the smallest one I've ever seen (parking lot holds 4 cars), it's owned by a family, they are open 24/7 and only family members work there. They work their butts off, they are pleasant to customers, and if it costs them too much to eat a merchant fee on a $5 purchase, then I'm OK with paying cash, giving up my 5 cent rebate to not cost them 50 cents.
But I don't do it at small businesses - the ones who may or may not ask for a minimum charge. I'd rather carry a few bucks in cash instead of being the customer who costs them money every time I charge a donut.
I've had enough Wal-Marts and supermarket chains and the like. I'd rather go to a locally owned business and I know they don't have the volume to absorb a ton of tiny credit card transactions.
So I guess I could demand they abide by the merchant agreement, or I could let it slide and hope they can stick around. The 7-11 by us is probably the smallest one I've ever seen (parking lot holds 4 cars), it's owned by a family, they are open 24/7 and only family members work there. They work their butts off, they are pleasant to customers, and if it costs them too much to eat a merchant fee on a $5 purchase, then I'm OK with paying cash, giving up my 5 cent rebate to not cost them 50 cents.
I truly doubt this lawsuit would be handily thrown out. While the suit against the business owner might not make it very far, depending on the wording, the suit against the two customers would likely end up being successful.
As far as using CC's for small purchases, I've done it before when low on cash, but generally I try not to. It does depend on the business, though. If I'm going to a coffee shop, I have no problem paying for my purchase with a CC. As I see it, if the establishment generally sells low-dollar items, they expect and factor in the CC acceptance cost before opening their doors.
Also, it really doesn't take very much longer to use a CC than it does to pay in cash, especially depending on how adept your cashier is at counting out change.
SmoochyTX
Lifer
- Apr 19, 2003
- 13,615
- 0
- 0
I don't pay with cards because I get a rebate. :roll:
I pay with cards with because I don't carry cash or checks on me. This is 2006 not 1976.
If a business can't handle card transactions they shouldn't allow them at all. Then, I'll go somewhere else as will most other people.
I don't care if they were customers or not...you're not allowed to physically assault anyone without reprocusions. Do you know what frivolous means? Explain to me how this case would be without merit.
I think a fundamental misconception in this thread is that somehow the business is offering you the customer a SERVICE by accepting your card. The reality is that the business is paying merchant fees for the PRIVILEGE of tapping into extra sales by using their VISA/MC logo in advertising and accepting a card from you.
Try to look at it from that perspective, and some of you might see things a bit differently.
Try to look at it from that perspective, and some of you might see things a bit differently.
DrPizza
Administrator Elite Member Goat Whisperer
Hmmmm.... the city in which I rent out a house adds a 3% charge if you pay any taxes or other bills using a credit or debit card... I think I'll pay that way and file a complaint.
My apartment complex does the same thing if I use a CC to pay rent online. I'd imagine they circumvent the ToS via some creative wording.
FelixDeCat
Lifer
- Aug 4, 2000
- 29,544
- 2,219
- 126
You are not allowed to become a nusiance in the store. If I tell you I wont accept your card and you cause a commotion, I would then ask you to leave. If you didnt leave you are now tresspassing. If you leave with the gum, its theft as well. Two customers volunteer to detain you until police arrive to throw you jail for tresspassing. If you hit one of them, then they take you outside and kick your ass, thats your damn fault.
I dont even know what action you think you have to begin with. Small claims? For five cents? Please. And if the two guys remove you outside when you refused to leave and you became physical, you would get your ass kicked until the cops show up.
The right course of action is to put the gum down and take your no cash havin' business down the road, or suffer the consequences. No manager is there to bitch at.
Well, in saying that you don't accept the card, you're essentially breaking the ToS with the credit card company. However, that in and of itself doesn't seem to be illegal. But the other two men have no right to detain or physically accost the offender at this point. Actually, I'm not even sure if the store owner would have a right to physically detain the "offender."
Colleges also pull this fast one as well..from what I've learned, the collegs I've seen don't accept Visa, because they won't allow this, but they will accept MC/AMEX for a fee..there was a thread about this one online..good luck getting your fee reimbursed
waitman
Diamond Member
- Oct 27, 2002
- 3,758
- 0
- 71
Yeah if it was my store, I would also have a sign up that says, We reserve the right to refuse service to anyone, Then I would say this means you. And when you reported me to the credit card company, I would say I refused you service not because of a minimum purchase amount, but because you are an asshat.
- Oct 9, 1999
- 46,525
- 9,839
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Let me get this straight, the next merchant who refuses your credit card because the amount is too small. you're going to hand him a personally printed piece of paper that says:
. . . And you feel this will clinch the deal?
Otoh, my Discover Card won't work anywhere on purchases under $1.00. I consider that eminently reasonable.
- Oct 9, 1999
- 46,525
- 9,839
- 146
Man, I have saved literally hundreds of dollars by turning in my rewards for Staples coupons over the last several years, $20 at a time.Originally posted by: AStar617
Fixed
At first, they were giving you a $40 Staples coupon for each $20, then $30, now still $25. The last several months with 5% off varying stores has been especially sweet.
I use my CC everywhere. Trust me, there are very few places that don't take Discover nowa
It's not your store, so if the owner decides to not accept CC's for small purchases, then that is his choice.
There almost always an option to take your business elsewhere if you don't like that practice.
Conversely, I hate people who use CC's for $1-2 transactions frequently.
There almost always an option to take your business elsewhere if you don't like that practice.
Conversely, I hate people who use CC's for $1-2 transactions frequently.
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